Uninsured Motorist Claims

Recovering from any car accident is difficult, but when the motorist who caused your accident lacks insurance, the situation becomes more complex. In Rhode Island, everyone is required by law to carry a liability policy and uninsured/underinsured coverage. Liability covers damages when you cause an accident. The uninsured motorist benefits are intended to provide coverage when an uninsured driver hits you or your vehicle.

Every day, motorists from other states drive on Rhode Island highways, including drivers from states where the rules for insurance coverage aren’t as comprehensive. Also, every day motorists within our state drive vehicles without coverage, ignoring the law. The result is that many accidents occur that leave the innocent victim without recourse to file a claim with the insurance company of the responsible party.

As a Rhode Island resident with uninsured motorist coverage, you can file a claim with your own insurance company. However, insurance companies do their best to minimize what they pay out on claims. They may try to dispute your claim or give you less than what your claim is worth. Since the 1960s, the lawyers of Gemma Law Associates, Inc. Inc. have successfully handled hundreds of car accident cases. Our attorneys know Rhode Island Law – and we know how to work with insurance companies to handle your uninsured motorist claim and maximize your benefits.

Alcohol or impaired driving is often a factor in accidents involving uninsured motorist claims. Frequently the same driver that fails to insure his or her vehicle also fails to observe laws regarding driving while impaired. If the motorist that caused your accident was intoxicated, our lawyers will investigate the circumstances to determine if any bar or restaurant can be held liable for serving the driver. These cases can be complicated, but we have decades of litigation experience, and if the establishment responsible for serving the driver isn’t willing to negotiate, we are prepared to take the case to court.

It isn’t your fault that the driver who caused your accident failed to observe Rhode Island insurance laws. At Gemma Law Associates Inc., we will work hard to ensure you receive proper compensation for injuries caused by someone else’s negligence or recklessness. We serve clients in the communities of Providence, Newport, Bristol, Warwick, Cranston, Woonsocket and Pawtucket.

If you need help with an uninsured motorist claim, contact Gemma Law Associates, Inc. toll free or submit an online contact form. We’ve been helping clients in Rhode Island for more than 45 years – and we can help you.